Getting out of debt can feel overwhelming—but thanks to a range of innovative and affordable online tools, it’s now easier to take control of your finances, build a plan, and stick to it. Whether you’re tackling credit card debt, student loans, or just trying to improve your money habits, digital platforms can offer structure, automation, and much-needed peace of mind.
In this guide, we’ll explore a few highly effective tools to support your debt-free journey—plus a bonus FAQ section.
1. Undebt.it: Create a Clear Debt Payoff Strategy
Undebt.it is a free online tool that helps you create a personalized debt payoff plan using methods like the snowball or avalanche technique. What makes it stand out is its visual tracking dashboard and ability to compare different strategies side by side. You can plug in all your accounts, set target payoff dates, and even track your monthly progress. For those who love seeing their debt decrease in real-time graphs, Undebt.it adds motivation and accountability without costing a dime.
2. Tally: Automate Credit Card Payments Efficiently
Tally isn’t just another budgeting app—it’s a powerful tool that can actively reduce your credit card debt. This app analyzes your balances, interest rates, and due dates, and—if approved—offers to consolidate your credit card payments into one lower-interest line of credit. Tally automates payments for you and ensures you’re always paying off the highest-interest cards first. It’s a game-changer for anyone juggling multiple cards and trying to avoid missed payments or high APR traps.
3. YNAB (You Need A Budget): Build a Plan for Every Dollar
YNAB is more than a budgeting tool—it’s a philosophy. With its zero-based budgeting model, you assign every dollar a job, including debt repayment. It connects to your bank accounts, updates in real time, and helps you understand where your money is really going. One standout feature is its debt tracking function, which lets you create payoff goals and track progress down to the cent. While there is a monthly fee, the app has a passionate user base that swears by its long-term financial results.
4. Bright Money: AI-Powered Debt Reduction
Bright Money is an intelligent financial assistant that uses AI to analyze your spending and create a daily debt repayment plan. Instead of focusing only on monthly bills, it considers your overall financial health and automates small, frequent payments to reduce interest. It also builds your credit over time and offers tips tailored to your income and goals. It’s a great choice for those who want a hands-off, smarter way to reduce debt consistently.
5. Payoff Planner: Simple App for Visual Goal Tracking
Available on both iOS and Android, Payoff Planner is a lightweight but effective app for tracking credit card and loan balances. It allows users to input interest rates, minimum payments, and target payoff timelines. The visual graphs make it easy to see how consistent payments—or even extra payments—can dramatically speed up your debt-free journey. It’s ideal for users who want structure without the complexity of connecting all their bank accounts or diving into full budgeting tools.
6. Fudget: Straightforward Budgeting for Beginners
If more complex budgeting tools have left you frustrated, Fudget might be the solution. With no account linking or confusing features, Fudget offers a simple list-based budgeting system that lets you track income and expenses. It’s not loaded with bells and whistles, but that’s the point—Fudget is designed for quick daily check-ins and staying on top of spending, especially when every dollar matters. It’s especially helpful for side-hustlers and gig workers who want to track fluctuating income manually.
💲FAQ: Why Business Card Design Still Matters When Getting Out of Debt
For many people trying to pay down debt, freelancing, consulting, or starting a small side business becomes part of the solution. Whether you’re offering tutoring, photography, pet sitting, or handyman services, a well-designed business card can go a long way in building credibility and attracting clients. Here are some common questions about business card design for entrepreneurs and side hustlers:
Q: What’s an affordable way to design and print business cards online?
Services like Adobe Express and VistaPrint provide professional-quality designs without high costs. Adobe Express, in particular, offers beautiful templates and customization options—making it a great tool to get started without a graphic design background.
Q: I don’t have a logo or design skills. Can I still create a great card?
Absolutely. Platforms like Zazzle and Adobe Express include pre-designed templates where you simply drop in your name, contact details, and service description. No fancy tools needed—just your information and a little creativity.
Q: Can I include QR codes on my business card?
Yes! Many design platforms now let you easily add a QR code that links to your website, Instagram, or booking form. QR codes are an excellent way to give clients instant access to your services or portfolio without needing to type in a web address.
Q: I want to design something unique. What tool should I try?
If you’re looking for a sleek and easy-to-use platform, check this out. Adobe Express lets you create business cards using your brand colors, fonts, and imagery—and it’s beginner-friendly.
Q: Should I print in bulk or small batches when I’m just starting out?
It’s smart to start with a small batch to test your design and contact details. Sites like Moo and Zazzle offer low-quantity orders so you can revise as your business grows. Once you find a format that works, you can confidently order larger quantities at better rates.
Getting out of debt is a journey, but it doesn’t have to be a lonely one. These tools can help you stay organized, motivated, and consistent with your financial goals. And if you’re building income through a side hustle, don’t underestimate the power of a clean, effective business card—it’s a tiny tool with the potential to open big doors.
